Long term care is a reality for many families today. Below are some brief answers to some common questions about what long term
care is.

What is long term care?

Long term care is what we call the kind of assistance that helps people who can no longer manage routine daily tasks like eating, dressing, bathing or moving around the house. This may occur when age, injury or illnesses like Alzheimer’s, multiple sclerosis, Parkinson’s or stroke diminish a person’s ability to look after themselves. Long term care may be received in the home, in a community location or in a nursing home or assisted living facility. Long term care may also include physical therapy received daily or periodically, as well as occupational, respiratory or speech therapy.

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What is long term care insurance?

Long term care (LTC) insurance is a solution for protecting retirement savings. LTC insurance helps to cover the cost of long term care, giving families more control over decisions about when and where to receive care. Long term care insurance is what many people rely on to minimize the financial exposure of long term care and to ensure they will not become a burden to their loved ones.

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What is the cost of long term care insurance?

Long term care insurance costs depends on many factors, including your age, your health and the level of coverage you need to protect your assets. The cost of long term care insurance is generally lower when you are younger and healthier, suggesting that it’s wiser to address your needs for long term health insurance should happen sooner rather than later. Most people find they can design an affordable plan that meets their needs for protection and their budget.

John Hancock – a leader in long term care insurance

John Hancock provides innovative insurance for long term care and offers a variety of plans with optional features that can customize your plan to best suit your needs. Your John Hancock representative can help you choose the right plan for you and your family.

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* Center for Retirement Research at Boston College, "How Can We Improve Long-Term Care Financing," June 2008.

Long-term care insurance is underwritten by John Hancock Life Insurance Company, Boston, MA 02117 and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.